The first method is to simply use your banks owned ATMs. Most all banks do not charge for ATM activity on their own ATM machines. The other method would be to use your ATM/Debit card for purchases and request cash back at the same time, making sure it is a merchant that offers this service and does not attach any fees. As a footnote, some financial institutions are now offering to refund fees for ATM use on machines they do not own, restrictions such as limited usage and minimum balances may apply.

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